Caixin: Starting January 1, 2026, digital renminbi wallet balances will earn interest

On December 29, according to Caixin, the digital renminbi will undergo a scheme upgrade. Starting January 1, 2026, wallet balances will earn interest. Without changing the dual-layer operating structure, the digital renminbi of bank-type operating institutions will transition from off-balance sheet to on-balance sheet, changing from 100% reserve to partial reserve; non-bank payment institutions will implement a 100% digital renminbi margin. Banking institutions will pay interest on customers' real-name digital renminbi wallet balances, adhering to self-regulatory agreements on deposit interest rate pricing, and can independently conduct asset-liability management for digital renminbi wallet balances, with deposit insurance providing the same safety guarantees as deposits by law. For non-bank payment institutions, the digital renminbi margin is no different from the customer reserve funds of non-bank payment institutions. #加密市场观察